--- title: "Florida umbrella and excess liability: follow the project specification" description: "For contractors bidding Florida public work, especially bridge maintenance, construction and projects near navigable water." canonical: "https://spot.insure/coverage/umbrella-excess/florida" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/umbrella-excess/florida) # Florida umbrella and excess liability: follow the project specification A Charlotte County bridge-maintenance bid allows a following-form umbrella/excess to meet its own liability minimums, but its $3 million tier is internally unclear at exactly $10 million: the heading says “greater than” while the cost band begins at $10 million. Get written County clarification for that exact value. The bid is one contract, not a Florida-wide umbrella rule; Florida WC rules and marine endorsements are separate checks.[^1][^3][^2] **Coverage:** [Umbrella and excess liability](/coverage/umbrella-excess) · [Florida](/coverage/states/florida) ## What Is Umbrella And Excess Liability? Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. [Read the national Umbrella and excess liability guide](/coverage/umbrella-excess). ## Florida Requirements | Requirement | Details | | --- | --- | | Charlotte County bid’s excess substitution | The 2024 bid permits following-form umbrella/excess to meet its listed liability minima. Baseline GL is $1m each occurrence/$2m aggregate. The higher tier is headed “For Projects greater than $10,000,000,” while the table’s construction-cost band starts “from $10,000,000 to $29,999,999” and lists $3m occurrence/$3m aggregate. The exact $10m project value is therefore not resolved by the bid text; obtain written County clarification before relying on either tier.[^1] | | Auto and marine scope in the bid | The bid calls for $1 million CSL auto covering owned, hired and non-owned vehicles used for the contract; projects on or along navigable waters require USL&H and Jones Act endorsements.[^1] | | Florida workers’ compensation scope | Florida’s CFO says construction employers with one or more employees must carry WC, while most nonconstruction employers trigger at four employees; exempt corporate officers/members are not counted. Florida law also makes a contractor require WC evidence from subcontractors. Chapter 440 separately defines covered employees and construction-industry work.[^2][^3][^4] | ## What to Watch for in Florida ### Check that the excess policy actually follows the required form The county bid allows excess only on a following-form basis and separately requires additional-insured, waiver, primary/noncontributory and cross-liability terms. Compare the umbrella endorsements to each clause; the certificate alone does not prove they match.[^1] ### Do not generalize one county bid to the state This is the 2024 Charlotte County bridge-maintenance bid, not a Florida-wide limit. Its $3 million GL tier has a boundary conflict: the heading says projects greater than $10 million, but its table band starts at $10 million. Get the County’s written interpretation for a project estimated at exactly $10 million; use your own owner’s schedule for other projects.[^1] ### Include subcontractors and marine operations in the submission The county bid applies requirements to subs and calls for USL&H/Jones Act endorsements on navigable-water work. Florida also requires contractors to collect subcontractor WC evidence, with liability exposure if a subcontractor has not secured payment.[^1][^3] ## Who Regulates Insurance in Florida **Florida Office of Insurance Regulation.** The Florida Office of Insurance Regulation licenses and regulates insurance companies and reviews rates and forms. The Department of Financial Services separately licenses insurance agents and handles consumer insurance complaints; its resource page links to both state license searches.[^5][^6][^7] - [Regulator website](https://floir.gov/) - [License lookup](https://myfloridacfo.com/division/ica/resources) - [File a complaint](https://myfloridacfo.com/division/consumers/needourhelp) - Phone: 1-877-693-5236 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 4.94% of gross premium plus a 0.03% FSLSO service fee for policies effective July 1, 2026 or later When Florida is the insured’s home state, Florida taxes the entire gross premium at 4.94%; the premium definition includes policy and similar insurance charges. The separate FSLSO service fee is 0.03% for policies effective July 1, 2026 or later. Surplus-lines policies do not receive Florida Insurance Guaranty Association protection.[^8][^9][^10] [Florida Surplus Lines Service Office](https://www.fslso.com/) ## Providers With Documented State Licenses These providers publish a national listing for Umbrella and excess liability; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Florida; [check the regulator’s license lookup](https://myfloridacfo.com/division/ica/resources) and confirm state availability for your business when requesting a quote. - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability.[^13] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map.[^16] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability.[^17] ## Questions to Ask Before You Buy in Florida 1. Does the owner permit a following-form umbrella to satisfy each GL limit, and are the additional-insured, waiver and primary/noncontributory endorsements carried through? 2. Will owned, hired and non-owned vehicles used on this work be covered, and does work on or along navigable water trigger USL&H or Jones Act coverage? 3. Have you collected current WC proof and valid exemption certificates from every construction subcontractor and relevant corporate officer? ## Umbrella And Excess Liability in Florida: FAQ ### Does Florida require every contractor to carry a $3 million umbrella? No. The $3 million figure appears in one Charlotte County bid for projects in a stated cost band; the heading and band conflict at exactly $10 million. It is not a general Florida rule. Obtain County clarification for a $10 million project and check the contract governing your own work.[^1] ### What happens if a Florida subcontractor lacks workers’ compensation? Florida law requires the contractor to obtain evidence of subcontractor WC. It can treat the contractor and subcontractor employees on the work as one business and make the contractor liable for compensation if the subcontractor has not secured payment, subject to the statute’s terms.[^3] ## Umbrella And Excess Liability in Other States - [Alabama](/coverage/umbrella-excess/alabama) - [Alaska](/coverage/umbrella-excess/alaska) - [Arizona](/coverage/umbrella-excess/arizona) - [Arkansas](/coverage/umbrella-excess/arkansas) - [California](/coverage/umbrella-excess/california) - [Colorado](/coverage/umbrella-excess/colorado) - [Connecticut](/coverage/umbrella-excess/connecticut) - [Delaware](/coverage/umbrella-excess/delaware) - [District of Columbia](/coverage/umbrella-excess/district-of-columbia) - [Georgia](/coverage/umbrella-excess/georgia) - [Hawaii](/coverage/umbrella-excess/hawaii) - [Idaho](/coverage/umbrella-excess/idaho) - [Illinois](/coverage/umbrella-excess/illinois) - [Indiana](/coverage/umbrella-excess/indiana) - [Iowa](/coverage/umbrella-excess/iowa) - [Kansas](/coverage/umbrella-excess/kansas) - [Kentucky](/coverage/umbrella-excess/kentucky) - [Louisiana](/coverage/umbrella-excess/louisiana) - [Maine](/coverage/umbrella-excess/maine) - [Maryland](/coverage/umbrella-excess/maryland) - [Massachusetts](/coverage/umbrella-excess/massachusetts) - [Michigan](/coverage/umbrella-excess/michigan) - [Minnesota](/coverage/umbrella-excess/minnesota) - [Mississippi](/coverage/umbrella-excess/mississippi) - [Missouri](/coverage/umbrella-excess/missouri) - [Montana](/coverage/umbrella-excess/montana) - [Nebraska](/coverage/umbrella-excess/nebraska) - [Nevada](/coverage/umbrella-excess/nevada) - [New Hampshire](/coverage/umbrella-excess/new-hampshire) - [New Jersey](/coverage/umbrella-excess/new-jersey) - [New Mexico](/coverage/umbrella-excess/new-mexico) - [New York](/coverage/umbrella-excess/new-york) - [North Carolina](/coverage/umbrella-excess/north-carolina) - [Ohio](/coverage/umbrella-excess/ohio) - [Oklahoma](/coverage/umbrella-excess/oklahoma) - [Oregon](/coverage/umbrella-excess/oregon) - [Pennsylvania](/coverage/umbrella-excess/pennsylvania) - [Rhode Island](/coverage/umbrella-excess/rhode-island) - [South Carolina](/coverage/umbrella-excess/south-carolina) - [South Dakota](/coverage/umbrella-excess/south-dakota) - [Texas](/coverage/umbrella-excess/texas) - [Vermont](/coverage/umbrella-excess/vermont) - [Virginia](/coverage/umbrella-excess/virginia) - [Washington](/coverage/umbrella-excess/washington) - [West Virginia](/coverage/umbrella-excess/west-virginia) - [Wisconsin](/coverage/umbrella-excess/wisconsin) [Other Coverage in Florida](/coverage/states/florida) ## Sources [^1]: [Tom Adams Moveable Bridge Maintenance and Repairs, Bid 2024000289: Insurance Requirements](https://www.dms.myflorida.com/content/download/163378/1139966/242892.pdf) — Florida Department of Management Services / Charlotte County; 2024 bid, insurance section, pp. 26–27; §§ A.1–A.3 and additional-insured terms.. Accessed 2026-09-28. [^2]: [Employer Coverage Requirements](https://www.myfloridacfo.com/division/wc/employee/employer-coverage-requirements) — Florida Department of Financial Services, Division of Workers’ Compensation; Construction and nonconstruction employee thresholds and exclusions.. Accessed 2026-09-28. [^3]: [Fla. Stat. § 440.10, Liability for compensation](https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&Search_String=&URL=0400-0499/0440/Sections/0440.10.html) — Florida Legislature; 2026 Florida Statutes, §440.10(1)(a)–(d): construction employer duties, contractor/subcontractor treatment, evidence of WC, and conditional contractor liability if a subcontractor has not secured payment.. Accessed 2026-09-28. [^4]: [Fla. Stat. § 440.02, Definitions (2026 Florida Statutes)](https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&Search_String=440%2F&URL=0400-0499%2F0440%2FSections%2F0440.02.html) — Florida Legislature; 2026 Florida Statutes, §440.02(10) construction industry, (18) employee, and (20) employment. Subsection (15) defines disability and is not the cited construction/employee definition.. Accessed 2026-09-28. [^5]: [Florida Office of Insurance Regulation](https://floir.gov/) — Florida Office of Insurance Regulation; Official regulator homepage; insurer regulation. Accessed 2026-09-28. [^6]: [Resources](https://myfloridacfo.com/division/ica/resources) — Florida Office of the Insurance Consumer Advocate; State page links to DFS agent search and OIR active company search. Accessed 2026-09-28. [^7]: [Get Insurance Help](https://myfloridacfo.com/division/consumers/needourhelp) — Florida Department of Financial Services; Insurance concern and formal complaint intake; consumer helpline. Accessed 2026-09-28. [^8]: [Florida Statutes § 626.932: Surplus lines tax](https://www.leg.state.fl.us/Statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0626/Sections/0626.932.html) — Florida Legislature; 4.94% tax on gross premium; home-state taxation; statutory definition of premium. Accessed 2026-09-28. [^9]: [FSLSO Bulletin 2026-02](https://www.fslso.com/docs/default-source/bulletins/fslso-bulletin-2026-02.pdf?sfvrsn=186161a3_1) — Florida Surplus Lines Service Office; Service-fee rate effective July 1, 2026: 0.03%. Accessed 2026-09-28. [^10]: [Surplus Lines Search](https://www.floir.gov/resources-and-reports/surplus-lines-search) — Florida Office of Insurance Regulation; Consumer guidance for nonadmitted insurers, including absence of FIGA protection. Accessed 2026-09-28. [^11]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^12]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^13]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^14]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^15]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^16]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^17]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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